Optimalisasi Teknologi Financial Intelligence dalam Deteksi dan Pencegahan Fraud di Fintech Syariah
DOI:
https://doi.org/10.30762/istithmar.v9i1.1997Keywords:
Financial Intelligence, fintech syariah, fraud, big data, kepatuhan syariahAbstract
Fintech syariah telah menjadi solusi inovatif dalam menyediakan layanan keuangan berbasis syariah, namun tantangan terkait fraud masih menjadi perhatian utama. Artikel ini bertujuan untuk mengeksplorasi optimalisasi teknologi Financial Intelligence (FI) dalam mendeteksi dan mencegah fraud di sektor fintech syariah. Melalui kajian literatur, ditemukan bahwa teknologi seperti big data, kecerdasan buatan (AI), dan pembelajaran mesin memiliki kemampuan untuk menganalisis pola transaksi secara real-time dan mendeteksi aktivitas mencurigakan yang bertentangan dengan prinsip syariah. Meskipun demikian, implementasi teknologi FI menghadapi kendala, seperti kualitas data yang rendah, keterbatasan literasi digital pengguna, kompleksitas penyesuaian algoritma dengan prinsip syariah, serta kurangnya regulasi yang memadai. Penelitian ini menggunakan metode studi kepustakaan untuk menganalisis literatur relevan dari berbagai jurnal, buku, dan laporan terkait. Hasil penelitian menunjukkan bahwa FI memiliki potensi signifikan dalam menciptakan ekosistem fintech syariah yang aman dan sesuai syariah, asalkan kendala diatasi melalui kolaborasi multidisiplin dan penguatan regulasi.
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